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Home Insurance checklist

16 steps to the right coverage at a fair price.

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The basics

Read your policy.

  • Get renters insurance if you rent Guide
  • Read your declarations page Guide
  • List what your policy excludes Guide
  • Check your liability limit Guide

Choosing coverage

At renewal.

  • Price two deductibles and find the break-even Guide
  • Check for replacement cost coverage Guide
  • Check dwelling coverage against rebuild cost Guide
  • Compare two other quotes with the same coverage Guide

Paying less

Once a year.

  • Ask about every discount Guide
  • Check your credit reports for errors Guide
  • Test alarms and replace old washer hoses Guide
  • Review your policy before it renews Guide

Inventory and claims

Before you need it.

  • Make a room-by-room home inventory Guide
  • Store inventory copies outside your home Guide
  • Know the steps for filing a claim Guide
  • Check your flood risk and coverage Guide